Welcome to the gated community of Salem Square: Palm Harbor’s Hidden Gem! Nestled in the tranquil Ridgemoor neighborhood of Palm Harbor, this charming villa offers a low-maintenance lifestyle for you to enjoy for years to come. As you arrive at this beautifully landscaped 2 bedroom plus bonus room, 2-bathroom, 2-car garage home, the Mediterranean-style barrel tile roof sets a welcoming tone for your Florida retreat. Step inside this nearly 1, 700 sq. ft. home and prepare to be impressed. The soaring ceilings and reflective epoxy flooring in the entry, kitchen, atrium, hall bath, and hallway create a sense of spaciousness, while rich hardwood flooring in the primary bedroom, dining room, and living room adds warmth and sophistication. The thoughtfully updated kitchen is a chef’s delight, featuring sleek quartz countertops, wood cabinetry, stainless steel appliances, and a modern backsplash. Generous barstool seating and a pantry provide ample storage and functionality, while the nearby atrium with a skylight adds a touch of natural beauty. The oversized owner’s suite is a true retreat, complete with two closets (including a spacious walk-in) and an ensuite bathroom featuring a luxurious soaker tub, and a separate glass-enclosed shower. The split floor plan offers privacy, with two additional bedrooms conveniently located near the fully updated guest bathroom. The inside laundry room, complete with a utility sink, adds to the home’s convenience. Step through the sliding glass doors into your private backyard oasis. The oversized screened-in lanai, surrounded by lush landscaping, offers a serene space for relaxation and entertaining. Enjoy peace of mind knowing the home is NOT in a flood zone and features significant updates, including a brand-new AC unit (2024), hot water heater (2023), and an owned water softener system. Salem Square is an all-ages community offering natural beauty, tree-lined streets, and fantastic amenities, including a heated saltwater pool, tennis and basketball courts, and a playground. With reasonable HOA fees that cover lawn care, cable TV, internet, and trash, you can focus on enjoying life instead of maintaining it. Outdoor and water enthusiasts will love being just minutes from John Chestnut Park, where you can explore scenic trails and boardwalks, visit the observation tower overlooking Lake Tarpon, enjoy the dog park and playgrounds, or take advantage of the fishing pier, softball field, public boat ramp, and kayak rentals. Zoned for “A” rated schools, with easy access to Honeymoon Island, and a short commute to the pristine sugar-white sands of Clearwater Beach, downtown St. Petersburg, and Tampa, this location truly has it all! This home and community truly offer the best of Florida living—schedule your showing today and experience it for yourself!
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Our Executive Mortgage Banker:
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William Raveis Real Estate
Phone: 888.699.8876
Contact@raveis.com
RVP, Mortgage Banker
William Raveis Mortgage, LLC
Phone: 917.838.7300
Melissa.Cohn@raveis.com
NMLS Mortgage Loan Originator ID 16953
5/6 (30 Yr) Adjustable Rate Conforming* |
30 Year Fixed-Rate Conforming |
15 Year Fixed-Rate Conforming |
|
---|---|---|---|
Loan Amount | $320,000 | $320,000 | $320,000 |
Term | 360 months | 360 months | 180 months |
Initial Interest Rate** | 7.000% | 6.990% | 6.250% |
Interest Rate based on Index + Margin | 8.125% | ||
Annual Percentage Rate | 7.243% | 7.171% | 6.518% |
Monthly Tax Payment | $404 | $404 | $404 |
H/O Insurance Payment | $75 | $75 | $75 |
Initial Principal & Interest Pmt | $2,129 | $2,127 | $2,744 |
Total Monthly Payment | $2,608 | $2,606 | $3,223 |
* The Initial Interest Rate and Initial Principal & Interest Payment are fixed for the first and adjust every six months thereafter for the remainder of the loan term. The Interest Rate and annual percentage rate may increase after consummation. The Index for this product is the SOFR. The margin for this adjustable rate mortgage may vary with your unique credit history, and terms of your loan.
** Mortgage Rates are subject to change, loan amount and product restrictions and may not be available for your specific transaction at commitment or closing. Rates, and the margin for adjustable rate mortgages [if applicable], are subject to change without prior notice.
The rates and Annual Percentage Rate (APR) cited above may be only samples for the purpose of calculating payments and are based upon the following assumptions: minimum credit score of 740, 20% down payment (e.g. $20,000 down on a $100,000 purchase price), $1,950 in finance charges, and 30 days prepaid interest, 1 point, 30 day rate lock. The rates and APR will vary depending upon your unique credit history and the terms of your loan, e.g. the actual down payment percentages, points and fees for your transaction. Property taxes and homeowner's insurance are estimates and subject to change. The Total Monthly Payment does not include the estimated HOA/Common Charge payment.